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Has anyone ever, in there life, bought a car on the first offer they come to you with? The intial cost went down 180.00 a month by the time we were done, is that not insane??????

That's how u do it. I went to buy a car and a salesman said my estimate monthly payment is $510. I said no way... I can only afford $320. He was like ok... Let's see what I can do. He ended up dropping 3k on a new car and I was trading in my old car in. They overvalue my old car big time. CarMax offered me $1,000 for my old car and they gave me $4,000. He also asked me for $1,500 cash but deferred my payments 3 months. So after everything we agreed to $341.

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I've only used dealer financing once, and that's because it was ridiculously low interest. My payments were just north of $200 a month. Any other times, I've used bank or credit union financing. The last vehicle I bought from a dealer, I talked $4100 off the original price ($18600 to $14500) After negotiating with their finance department for a while, I gave my trusty old financial institution a call. The best the dealership could offer was 5ish % APR and $330ish a month. The ended up with 3.85% and $256 a month and a smaller down payment. I had to pay like 6 more months of payments and had to wait a few more hours at the dealership, but was well worth it.

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Yeah the rate i got was not that great, but not terrible. I had a few credit issues a few years back because i let a friend poo on me for some rent money. That put me a little behind for awhile. I should be clear of that in about a year, but wanted to get in to something new before i had any major problems with my unwarrantied car. You best believe i will be going to a credit unión in about a year to refinance. The good news was they dropped the price way below sticker and up the value on my trade about 1,500 bucks when everything was done because i was adament about the rate being too high. After the refinance i should be a good bit below what i wanted to be paying a month to begin with. Crazy how long it took though. Four years ago i went to a second hand dealer and i swear it was like an hr process tops.

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I did it once because the specific car I wanted was only available at one dealership in the US, the next one like it was not comong for another couple of months, and I had to travel to Rhode Island to get it which took a week to plan.

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I did it once because the specific car I wanted was only available at one dealership in the US, the next one like it was not comong for another couple of months, and I had to travel to Rhode Island to get it which took a week to plan.

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That's how u do it. I went to buy a car and a salesman said my estimate monthly payment is $510. I said no way... I can only afford $320. He was like ok... Let's see what I can do. He ended up dropping 3k on a new car and I was trading in my old car in. They overvalue my old car big time. CarMax offered me $1,000 for my old car and they gave me $4,000. He also asked me for $1,500 cash but deferred my payments 3 months. So after everything we agreed to $341.

They can show you $4k for your car because they are just moving a little from column a over to column b.